West Concord, MN · Cert 8865 · West Concord Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
46
Profitability
42
Liquidity
59
Efficiency
34
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
West Concord, MN · Cert 8865 · West Concord Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · Rochester, MN · 2026 SOD (annual) · 0.6% share · #24 of 34 inst. · $0.0B of $7.6B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.61% | 0.43% | 0.63% | 0.58% | 0.65% | 0.53% | 0.60% | 0.67% | +8 bps | |
| Return on Equity | 9.76% | 6.90% | 10.05% | 9.55% | 10.54% | 8.53% | 9.78% | 10.73% | +118 bps | |
| Net Interest Margin | 3.13% | 3.20% | 3.37% | 3.30% | 3.30% | 3.26% | 3.37% | 3.43% | +13 bps | |
| Efficiency Ratio | 73.99% | 76.29% | 74.63% | 75.59% | 74.23% | 78.57% | 75.62% | 74.43% | -116 bps | |
| Non-Interest Burden | 2.24% | 2.38% | 2.45% | 2.43% | 2.38% | 2.51% | 2.50% | 2.50% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.30% | 2.24% | 2.97% | 10.32% | 10.35% | 14.53% | 17.43% | 7.82% | -250 bps | |
| Loan Growth (YoY) | 9.46% | 3.35% | 4.84% | 9.55% | 15.25% | 19.38% | 15.29% | 12.50% | +294 bps | |
| Deposit Growth (YoY) | 6.19% | 7.54% | 13.07% | 20.84% | 11.51% | 20.66% | 13.46% | 7.64% | -1,320 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.35% | 0.60% | 0.34% | 0.74% | 1.17% | 0.39% | 0.42% | 0.64% | -11 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.28% | -0.18% | -0.08% | -0.03% | -0.03% | -0.01% | 0.01% | +9 bps | |
| Allowance / Loans | 0.94% | 0.91% | 0.98% | 0.96% | 0.93% | 0.94% | 0.99% | 0.99% | +3 bps | |
| Allowance Coverage of NPLs | 2.7x | 1.5x | 2.9x | 1.3x | 0.8x | 2.4x | 2.4x | 1.6x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 7.96% | 7.91% | 7.92% | 7.80% | 7.61% | 7.32% | 7.27% | 7.27% | -53 bps | |
| Total Risk-Based Capital | 11.85% | 11.52% | 11.55% | 11.14% | 10.97% | 10.82% | 11.41% | 11.04% | -10 bps | |
| Equity / Assets | 6.54% | 6.21% | 6.29% | 5.88% | 6.25% | 6.19% | 6.00% | 6.44% | +56 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 89.70% | 93.39% | 87.59% | 86.10% | 92.71% | 92.40% | 89.01% | 89.98% | +388 bps | |
| Liquid Assets / Assets | 3.06% | 1.39% | 2.80% | 4.32% | 0.93% | 0.64% | 7.06% | 3.33% | -99 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 79.05% | 91.49% | 104.59% | n/a | n/a | |
West Concord, MN · Cert 8865 · Peer group: banks under $1B in assets (n=581-629) · West Concord Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Return on Assets
0.66%
Rank 451 of 629
Net Interest Margin
3.43%
Rank 350 of 629
Efficiency Ratio
74.43%
Rank 419 of 629
Equity / Assets
6.44%
Rank 611 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.66% | 0.60% | 1.01% | 1.45% | Beats 28% | 451 / 629 | ||
| Return on Equity | 10.31% | 5.38% | 9.30% | 13.28% | Beats 55% | 282 / 629 | ||
| Net Interest Margin | 3.43% | 3.03% | 3.54% | 4.05% | Beats 44% | 350 / 629 | ||
| Efficiency Ratio | 74.43% | 58.35% | 67.79% | 79.08% | Beats 34% | 419 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.64% | 0.09% | 0.46% | 1.20% | Beats 41% | 342 / 581 | ||
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 50% | 293 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.98% | 11.24% | 13.84% | 18.77% | Beats 11% | 561 / 629 | ||
| Total Risk-Based Capital Ratio | 11.04% | 11.58% | 14.43% | 19.66% | Beats 19% | 507 / 629 | ||
| Equity / Assets | 6.44% | 9.09% | 10.65% | 13.80% | Beats 3% | 611 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 89.98% | 67.24% | 80.90% | 93.48% | 69th pctl | 185 / 594 | ||
| Loans / Assets | 81.73% | 53.31% | 67.71% | 78.15% | 85th pctl | 92 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||